3409 Oak Ln, Cincinnati, OH 45209 Property Records

Hamilton County property record for 3409 Oak Ln, Cincinnati, OH 45209

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,061 sqft · built 1940
Lot Size	0.087 acres (3,790 sqft)
Owner	Individual Name on Record
Last Sale	$316,001 (Aug 2022)
Tax Bill	$6,808 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`039-0002-0395-00`

Property Details

APN / Parcel Number

Primary APN	`039-0002-0395-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,061 sqft Living Area
1st Floor Area	1,061 sqft
Basement Area	1,178 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	3,790 sqft (0.087 acres)
Lot Dimensions	91 ft deep x 42 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	117 sqft
Patio Area	70 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3409 OAK LN
City	CINCINNATI
State	OH
Zip	45209-1824
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3409 OAK LN 42 X 91.75 PT LOT 28 A FERRIS EST SUB
Legal Subdivision	A FERRIS ESTATE SUB
Legal Lot Number	28
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	3
Census Block	3000
Census Tract	5302

Owner

Source: Hamilton County records, as of February 9, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3409 OAK LN, CINCINNATI, OH 45209-1824
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2022	Warranty Deed, Transfer · Conventional Mortgage VAN DYK MORTGAGE CORP
Jun 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage THIRD FED'L S&L ASSN/CLEVELAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2022 · Amount on Record
Deed Sale	Aug 5, 2022 · Amount on Record
Prior Sale	Jun 30, 2016 · Amount on Record
Deed Document Number	0000076433
Deed Book / Page	14724 / 828
Record Updated	Jun 8, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Aug 5, 2022
Property Address	3409 OAK LN, CINCINNATI, OH 45209-1824
Document Number	0000076433
Book / Page	14724 / 828
Instrument Date	Jul 27, 2022
Instrument	2022-0076433
Transaction Type	Transfer
Record Updated	Sep 27, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$948.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	3409 OAK LN, CINCINNATI, OH 45209-1824

Mortgage

Document Number	0000076434
Date	Aug 5, 2022
Instrument	2022-0076434

Lender

Name	VAN DYK MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2037

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3409 OAK LN, CINCINNATI, OH 45209-1824
Document Number	0000057770
Instrument Date	Jun 13, 2020
Transaction Type	Mortgage
Record Updated	Jul 24, 2020
Title Company	THIRD CAPITAL TITLE CINCINNATI, THIRD CAP TITLE CINCINNATI

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3409 OAK LN CINCINNATI OH 452091824, CINCINNATI, OH 45209-1824

Mortgage

Document Number	0000057770
Date	Jun 18, 2020
Book Page	014192/001776
Instrument	57770

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 17, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.19%

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of March 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
Municipality	Cincinnati City
Unified School District	Cincinnati City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,808.00 (+3.14%)	$110,600 (-) Land $37,079 Building $73,521
2024	$6,601.00 (-2.21%)	$110,600 (-) Land $37,079 Building $73,521
2023	$6,750.00 (+7.33%)	$110,600 (+19.68%) Land $37,079 Building $73,521	$316,000 (+19.68%) Land $105,940 Building $210,060
2022	$6,289.00 Homeowner's exemption	$92,414 Land $34,097 Building $58,317
2020			$264,040 Land $97,420 Building $166,620

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective December 22, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 85% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CINCINNATI PUBLIC WATER SYSTEM serves 800,000 people · EPA ID OH3102612
Water Source	Surface water
Last State Inspection	Dec 2024
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 570 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	3,000 / 3,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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